Baya financial Ltd is an FCA-regulated mortgage broker based in St Albans, AL1 3NR, specialising in Bridging, Buy-to-Let, Development and 5 other areas. Rated 5/5 from 51 reviews.
Unverified profile
Verification is pending.
Meet our experienced team of mortgage professionals
Ashley Lindsay
1 Dec 2025Unlike most brokers, Baya are realistic and don't tell you everything that you want to hear just to let you down later. Their close relationship with lenders means you have a very good idea what the outcome will be before submitting. They have a great team who keep on top of lenders and solicitors to push things through to completion. Oh, and they are lovely people too 😀 Highly recommended
Sean Knott
20 Nov 2025It's been an absolute pleasure working with all the ladies at Baya Financial! After previously working with brokers that always felt like they were doing you a favour for giving them business this experience couldn't have been more different. Proactive, professional and always on the ball with a friendly demeanour which is always important when going through the process of buying houses. Many thanks Baya, until the next one. Would highly recommend!
Nazia Ahmad
23 Oct 2025I have been using Baya finance services for last two years for my buy to let company and I had excellent experience with Baya Finance. Their Customer service quality is the best. I found it very easy to go through the whole process with ease with their guidance and help. They were very prompt with all my queries. I am looking forward to work with them and will highly recommend who ever need financial support. Thanks for all the hard work you did for me . I could not have done so much with out it. Best of luck.
Jonathan Mogor
4 Oct 2025Met Jackie when she came into my brewery in Vermont, soulmate brewing company on holiday. Had a very wonderful conversation with her and got to learn about her financial business in England. Have to say if I ever need a loan in England I would absolutely check with her first. Give her a call, I’m sure you will see why I would do business with her. 10 out of 5 stars for sure.
jonny stockwell
27 Aug 2025We recently worked with Baya Financial on one of our HMO portfolio remortgages, and the experience was excellent from start to finish. The team were professional, responsive, and took the time to explain everything clearly, making what could have been a stressful process feel straightforward and well-managed. Communication was always prompt, and they were proactive in keeping us updated at every stage. They went above and beyond to ensure we secured the right product for our needs, and their expertise gave us real confidence throughout the process. We wouldn’t hesitate to recommend Baya Financial to anyone looking for a knowledgeable and reliable broker – we’ll certainly be using them again in the future.
No memberships listed.
Regulatory Status
Direct Authorisation
Practical guides and explainers from our blog — relevant to this mortgage type.
A complete guide to bridging loans in the UK — how they work, typical costs and rates, when they make sense, and how to choose between regulated and unregulated bridging.
Understand the difference between regulated and unregulated bridging loans, when each applies, FCA protections, and which type you need for your property transaction.
Compare the best bridging loan rates in the UK for 2026. See which lenders offer the lowest monthly rates, arrangement fees, and most flexible terms for your project.
Bridging finance is essential for property investors. Learn about types, costs, and application process in our complete guide.
Hertfordshire, East of England
Addlife Financial LTD is a mortgage broker based in Hertfordshire, East of England.
Newham, London
The HMO Mortgage Broker is a mortgage broker based in Newham, London.
Trafford, north-west
JF Financial Solutions is a mortgage broker based in Trafford, north-west.
Enfield, london
Winwell Financial Consultancy is a mortgage broker based in Enfield, london.
Mortgage118 is an independent broker directory — not a mortgage broker or lender — and does not provide mortgage advice. All brokers listed hold their own individual FCA authorisation; always verify a broker's status on the FCA Register. Important: Your home may be repossessed if you do not keep up repayments on your mortgage, and you should think carefully before securing other debts against your home. Mortgage118 does not charge consumers. If you have a complaint about a mortgage broker, contact the Financial Ombudsman Service. Mortgage brokers are not covered by the Financial Services Compensation Scheme (FSCS) for mortgage advice — check with your broker directly about their professional indemnity insurance. Mattison Elm Ltd trading as Mortgage118 — Company No. 09831228 — Registered at 7 Bell Yard, London WC2A 2JR.
Social Media
Follow Baya financial Ltd on social media for updates and insights.